John Martin attended Howard University, Washington, D.C., Southeast Missouri State University, Missouri, USA, the City University of New York and the University of the West Indies. He is the holder of a Bachelor of Arts Degree, a Master of Science Degree and is at the end stage of attaining a Doctor of Philosophy Degree (PhD).

He holds qualifications in five disciplines. He has worked in the Eastern Caribbean as well as in North America plus at three financial institutions and is currently employed at the Central Bank of Trinidad and Tobago.

Academically, he also worked at City University of New York, on an assignment at Howard University, Washington, DC, Sir Arthur Lewis Community College, St. Lucia, and at the Arthur Lok Jack Graduate School of Business of the University of the West Indies in Trinidad and Tobago as an MBA Lecturer. He also wrote articles in finance and business journals and is also an author five textbooks.

We discuss the role of money, from it's definition to it's characteristics and types.

Money is anything generally acceptable as a medium of exchange. It is most common in the form of coins and banknotes. Before money was used, there was barter which involved the exchange of goods for other goods.……